1, different in nature: immediate loan means that when a loan is issued, the borrower is required to provide collateral as a guarantee for the loan, and the bank or financial institution can immediately approve the loan. Immediate guarantee means that after the loan is issued, the bank or financial institution will provide certain guarantee according to the borrower's credit rating to ensure that the borrower can repay the loan normally.

2. Different advantages: the advantage of immediate repayment is that you can lend money quickly and safely. The advantage of demand guarantee is that it can reduce the risk of banks or financial institutions and provide borrowers with a low-risk financing method.